I love this comment and I will tell you why. Good Point. Some say altcoins are dying and will never rise again. This concern is valid if the business model is predicated on the eventual rise in Hive value, as an Asset. The beauty of this model, is that the HIve is powered up and used to earn income to pay the people working at the bank. And the capitol is provided by the community at no cost, to provide this service to the community. So everything you have said is true, but in this case the financial model is so unlike any other, that it becomes workable and profitable. This is why I love this comment. I get to use your brain for free, and explore facets of my ideas I would never have thought of by myself.